Question 1

What is the annual fee on the Platinum ShopGain Credit Card and how do you get it waived?

Accepted Answer

The Platinum ShopGain Credit Card charges ₹999 plus GST as a joining fee and the same ₹999 again at renewal. RBL Bank waives the renewal fee if you spend ₹1.5L in the previous year, which is about ₹12,500 a month. If your card spend sits below that, treat ₹999 as a real yearly cost that your rewards have to clear first.

Question 2

What is the reward rate on the Platinum ShopGain Credit Card?

Accepted Answer

You earn 25 points per ₹100 on utility bill payments. Everything else earns 1 point per ₹100. Each point is worth about ₹0.25 when you redeem it well, so ₹10,000 of top category spend gives you 2500 points, roughly ₹625, which is about 6.2% back. The accelerated rate stops after ₹115 of spend in a month. Fuel, Wallet Load, Rental, Insurance earn nothing at all.

Question 3

Does the Platinum ShopGain Credit Card give free airport lounge access?

Accepted Answer

The Platinum ShopGain Credit Card gives 4 complimentary domestic lounge visits a year, usually capped at 1 per quarter. There is no prior spend requirement on paper, though RBL Bank has been moving cards to spend linked access, so confirm before you rely on it at the airport.

Question 4

What changed on the Platinum ShopGain Credit Card recently and is it still worth it in 2026?

Accepted Answer

RBL portfolio-wide: reward-exclusion expansion (Oct 2024) and reward-point cut up to ~32%. The changes are dated Oct 15, 2024. At ₹1.5L of yearly spend the card returns roughly ₹1,500 at its general rate of about 1%, against a ₹999 renewal fee. Keep it if you clear the ₹1.5L waiver spend and your spending really sits in the accelerated category. Drop it at renewal if you do not.

Platinum ShopGain Credit Card

Earn Points

Benefits

Frequently Asked Questions

Things to Keep in Mind